expanded Sainsbury's Bank Nectar Credit Cards

Sainsbury's Bank Nectar Credit Cards


Balance Transfer Credit Card

  • 0% interest on balance transfers for up to 27 months. We may offer you a 0% interest period of 23 or 19 months depending on your individual circumstances
  • 0% interest on purchases for 3 months
  • To apply for a credit card you must be a Nectar member and should have been one for at least 6 months

Low Fee Credit Card

  • 0% interest on balance transfers up to your first 25 months. We may offer you a 0% interest period of 21 or 17 months depending on your individual circumstances
  • 0% interest on purchases for 3 months
  • To apply for a credit card you must be a Nectar member and should have been one for at least 6 months

No Fee Credit Card

  • 0% interest on balance transfers up to your first 18 months. We may offer you a 0% interest period of 14 or 10 months depending on your individual circumstances
  • 0% interest on purchases for 3 months
  • To apply for a credit card you must be a Nectar member and should have been one for at least 6 months

Dual Offer Credit Card

  • 0% interest on balance transfers for up to 20 months. We may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances
  • 0% interest on purchases for up to 20 months. We may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances
  • To apply for a credit card you must be a Nectar member and should have been one for at least 6 months

APR Representative variable

21.9% APR 20.9% APR 20.9% APR 20.9% APR

Representative example

(Your interest rate and credit limit will vary depending on your individual circumstances)

Purchase rate is 21.95% p.a. variable, with a representative 21.9% APR variable, assumed credit limit: £1,200

Purchase rate is 20.95% p.a. variable, with a representative 20.9% APR variable, assumed credit limit: £1,200

Purchase rate is 20.95% p.a. variable, with a representative 20.9% APR variable, assumed credit limit: £1,200

Purchase rate is 20.95% p.a. variable, with a representative 20.9% APR variable, assumed credit limit: £1,200

Balance transfers

0% interest on balance transfers for up to 27 months. We may offer you a 0% interest period of 23 or 19 months depending on your individual circumstances

0% interest on balance transfers up to your first 25 months. We may offer you a 0% interest period of 21 or 17 months depending on your individual circumstances

0% interest on balance transfers up to your first 18 months. We may offer you a 0% interest period of 14 or 10 months depending on your individual circumstances

0% interest on balance transfers for up to 20 months. We may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances

Purchases

0% interest for your first
3 months

0% interest for your first
3 months

0% interest for your first
3 months

0% interest on purchases for up to 20 months. We may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances

Balance transfer fee

Balance transfer fee of 3% (minimum £3) applies on transfers made at application. The charge will depend on your current offer thereafter

Balance transfer fee of 1.85% (1.99% initial fee reduced by refund, £3 minimum) applies on transfers made at application. The charge will depend on your current offer thereafter^

No Balance transfer fee applies to transfers made within your first 3 months. The charge will depend on your current offer thereafter

Balance transfer fee of 3% (minimum £3) applies on transfers made at application. The charge will depend on your current offer thereafter

Money transfers

25.95% interest

25.95% interest

25.95% interest

25.95% interest

Money transfer fee

Money transfer fee of 4% (£4 minimum) at application. The charge will depend on your current offer thereafter

Money transfer fee of 4% (£4 minimum) at application. The charge will depend on your current offer thereafter

Money transfer fee of 4% (£4 minimum) at application. The charge will depend on your current offer thereafter

Money transfer fee of 4% (£4 minimum) at application. The charge will depend on your current offer thereafter

Nectar points

Collect 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 7,500 points††.

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†

Collect 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 7,500 points††.

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†

Collect 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 7,500 points††.

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†

Collect 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 7,500 points††.

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†

Annual fee

No fee

No fee

No fee

No fee

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Important information
Sainsbury’s Bank Nectar Credit Cards are available to new Sainsbury’s Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury’s Bank Nectar Credit Card on an individual basis. The interest rate, promotional period and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history.

To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Nectar points collected using your Credit Card are in addition to the points you normally collect in store or online.

Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.

^ Low Balance Transfer Refund conditions:
The offer applies to balance transfers that are made within 3 months of account opening. The balance transfer fee charged is 1.85% of the balance transfer amount. This is achieved by charging an initial balance transfer fee of 1.99% and a refund of the 0.14% will be applied to your account. This refund will be processed within 60 days of the balance transfer being made. The refund will appear on your statement. After 3 months from account opening, the charge will depend on your current offer thereafter. Sainsbury’s Bank reserves the right to terminate this balance transfer offer at any time. You can find details of our latest balance transfer offers at www.sainsburysbank.co.uk.

†Sainsbury’s Bank Credit Card Nectar points conditions:
  1. 2 Nectar points are collected on each full £1 of each separate shopping or fuel transaction at Sainsbury’s when you use your Sainsbury’s Bank Credit Card.
  2. Excludes Argos, Habitat, Sainsbury’s Bank, Sainsbury’s Energy and any other Sainsbury’s service which will be treated as non-Sainsbury’s purchases.
  3. For non-Sainsbury’s purchases, 1 Nectar point is collected on each full £5 of each separate transaction.
  4. Travel Money purchases are not eligible for points.
  5. Nectar points are awarded to you by Sainsbury’s Supermarkets Ltd and Sainsbury’s Bank plc, who reserve the right to alter or terminate the offer at any time.
  6. Please allow up to 60 days from your credit card statement date for the points to be credited to your Nectar account.
  7. Sainsbury's Bank reserves the right to alter or stop this offer without notice.
††Purchase bonus Nectar points conditions:
  1. Offer is available to new Sainsbury's Bank credit card customers.
  2. Remember to add your Nectar card number to your application.
  3. To get your points you'll need to stay within your credit limit and make the minimum payment on your account by the due date.
  4. Spend with Argos, Habitat, Sainsbury’s Energy, Sainsbury’s Bank (including travel money) Sainsbury's Petrol Stations (including non-fuel purchases) and any refunded transactions are excluded.
  5. Your account will be opened within 2 working days of us receiving your signed agreement and we will allow 10 days for you to receive your card before the 2 months begins.
  6. Your points will appear in your Nectar account 60 days after the end of your 2 month period.
  7. Sainsbury’s Supermarkets Ltd award the points from this offer.
  8. Sainsbury's Bank reserves the right to alter or stop this offer without notice.

Retrieve an application

Find out more

Helpful guides

Helpful guides

In our guides you’ll find more information on credit cards to help you choose the right one for you.

Guide to credit card security (PDF - 588KB) - A comprehensive look at credit card security, including tips for using your card safely online, how to protect your identity and scams to be aware of.

How to apply for a credit card - Information on how to apply, including factors to consider beforehand and how to use your new credit card safely.

Credit cards explained (PDF - 824KB) - a detailed guide to buying and using a credit card including explanations of key features as well as how to stay safe making purchases online.

Guide to PIN numbers - Information on what do you do if you PIN is lost or needs changed and how to pick a secure number.

Credit card glossary - a list of definitions to commonly used credit card terms.

What is a balance transfer? - A guide to balance transfers, explaining what they are, how they're used and limits and fees that could apply.

Mastercard and Visa - What's the difference? Compare the two largest payment systems.

Guide to credit card fraud - Find out more about different types of fraud and how to protect yourself from them.

Using your credit card abroad - How to manage your credit card abroad, with tips on using it responsibly and keeping it secure.

What is phishing? - Information on how to recognise a phishing scam and what precautions to take to keep your account details safe.

ID theft - A guide to ID fraud, including information on how to protect your ID and tips to stay safe online.

Additional credit cardholders - Giving someone their own card lets you share the credit available on the account. See our guide for more details on liability, benefits and how to add cardholders to your account.

To ensure our customers have the guidance they need to make the right decisions for them, we’ll update this section on an ongoing basis.